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  • transferring files from PC to Ubuntu PC on same network

    - by Travis
    i recently installed a fresh version of ubuntu 12.04 i wanted to transfer my old files from my pc that is running windows, to my other pc which now has ubuntu installed on it. They are both on the same network, i feel like this should be something easy to do, but i cant figure it out at all. Any help would be appreciated thank you. I downloaded and installed samba on my linux computer, and set up a share, but i can not find the directory on my windows machine. where do i find it?

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  • GLIBC_2.8 not found

    - by Thomas Nilsson
    As a newbie I seem to have messed up my upgrade leaving my system in a very unstable state. I attempted an upgrade from 8.04LTS which ended in an error about libc and kernel upgrades. I tried to upgrade the kernel but am now unsure if that worked, because when I retried my dist-upgrade there was a lot of errors about pre-dependencies and leaving packages un-configured. Now I have a system that answers almost every command with: /lib/libc.so.6: version `GLIBC_2.8' not found (required by /lib/libselinux.so.1) I probably should try a complete re-installation, but I'm investigating if there is any possibility of getting a working glibc so that I at least can have some commands working to ensure that my backups are recent etc. before doing the clean install. not even 'ls' works without saying "glibc_2.8 not found".

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  • Building iPhone Interfaces for Oracle E-Business Suite

    - by Shay Shmeltzer
    Over on his blog Juan has been showing you how simple it is to develop a rich Web user interface with ADF accessing Oracle E-Business Suite data and even exposing it on an iPad. In this entry I'm starting from his sample application and I'm showing how easy it is to build an interface that will look great on an iPhone (or other mobile devices) using Oracle ADF Mobile Browser. For those of you who are just using ADF and never tried ADF Mobile Browser - you'll find that the development experience is quite familiar and similar to your normal Web application development. In the latest version of JDeveloper (11.1.2.1) which I'm usingin this demo we have a built-in skin that will give your application the native iOS look and feel. In the demo I achieve this by setting the styleclass of a tr:panelHeader component to af_m_toolbar to get this. For more on this styling read the doc. Check out this quick demo:

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  • Social Targeting: This One's Just for You

    - by Mike Stiles
    Think of social targeting in terms of the archery competition we just saw in the Olympics. If someone loaded up 5 arrows and shot them straight up into the air all at once, hoping some would land near the target, the world would have united in laughter. But sadly for hysterical YouTube video viewing, that’s not what happened. The archers sought to maximize every arrow by zeroing in on the spot that would bring them the most points. Marketers have always sought to do the same. But they can only work with the tools that are available. A firm grasp of the desired target does little good if the ad products aren’t there to deliver that target. On the social side, both Facebook and Twitter have taken steps to enhance targeting for marketers. And why not? As the demand to monetize only goes up, they’re quite motivated to leverage and deliver their incredible user bases in ways that make economic sense for advertisers. You could target keywords on Twitter with promoted accounts, and get promoted tweets into search. They would surface for your followers and some users that Twitter thought were like them. Now you can go beyond keywords and target Twitter users based on 350 interests in 25 categories. How does a user wind up in one of these categories? Twitter looks at that user’s tweets, they look at whom they follow, and they run data through some sort of Twitter secret sauce. The result is, you have a much clearer shot at Twitter users who are most likely to welcome and be responsive to your tweets. And beyond the 350 interests, you can also create custom segments that find users who resemble followers of whatever Twitter handle you give it. That means you can now use boring tweets to sell like a madman, right? Not quite. This ad product is still quality-based, meaning if you’re not putting out tweets that lead to interest and thus, engagement, that tweet will earn a low quality score and wind up costing you more under Twitter’s auction system to maintain. That means, as the old knight in “Indiana Jones and the Last Crusade” cautions, “choose wisely” when targeting based on these interests and categories to make sure your interests truly do line up with theirs. On the Facebook side, they’re rolling out ad targeting that uses email addresses, phone numbers, game and app developers’ user ID’s, and eventually addresses for you bigger brands. Why? Because you marketers asked for it. Here you were with this amazing customer list but no way to reach those same customers should they be on Facebook. Now you can find and communicate with customers you gathered outside of social, and use Facebook to do it. Fair to say such users are a sensible target and will be responsive to your message since they’ve already bought something from you. And no you’re not giving your customer info to Facebook. They’ll use something called “hashing” to make sure you don’t see Facebook user data (beyond email, phone number, address, or user ID), and Facebook can’t see your customer data. The end result, social becomes far more workable and more valuable to marketers when it delivers on the promise that made it so exciting in the first place. That promise is the ability to move past casting wide nets to the masses and toward concentrating marketing dollars efficiently on the targets most likely to yield results.

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  • 12.04 - how to install alsa 1.0.27, to resolve dell sound card microphone echo issue to local speaker?

    - by YumYumYum
    Problem: Microphone in or Line in microphone audio is instantly captured and sinked to the local speaker, cause horrible echo problem About my system: (NO PulseAudio used (cause its always crash and unstable for my system/hardware, so auto killed and never used) I have ALSA 1.0.25 version running in Ubuntu 12.04 / 64-bit, with random kernel installed: kernel 3.5.0-17-generic kernel 3.8.x kernel 3.11.x But the echo problem is not resolved after trying all kernel. So, last option left now is to use ALSA 1.0.27 to see if that solves the problem. Is there any away to use ALSA 1.0.27 from any PPA to install in the Ubuntu 12.04? (without making it from source, to avoid breaking other packages and dependencies)

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  • Is there any difference between processor and core?

    - by Salvador
    The following two command seems to give me different information about the same hardware srs@ubuntu:~$ cat /proc/cpuinfo | grep -e processor -e cores processor : 0 cpu cores : 4 processor : 1 cpu cores : 4 processor : 2 cpu cores : 4 processor : 3 cpu cores : 4 srs@ubuntu:~$ sudo dmidecode -t processor # dmidecode 2.9 SMBIOS 2.6 present. Handle 0x0004, DMI type 4, 42 bytes Processor Information Socket Designation: LGA1155 Type: Central Processor Family: <OUT OF SPEC> Manufacturer: Intel ID: A7 06 02 00 FF FB EB BF Version: Intel(R) Core(TM) i5-2500K CPU @ 3.30GHz Voltage: 1.0 V External Clock: 100 MHz Max Speed: 3800 MHz Current Speed: 3300 MHz Status: Populated, Enabled Upgrade: Other L1 Cache Handle: 0x0005 L2 Cache Handle: 0x0006 L3 Cache Handle: 0x0007 Serial Number: To Be Filled By O.E.M. Asset Tag: To Be Filled By O.E.M. Part Number: To Be Filled By O.E.M. Core Count: 4 Core Enabled: 1 Characteristics: 64-bit capable Until today I thought I had a single processor with 4 independent cores. I also thought that within each core can be used different threads.

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  • Upcoming Customer WebCast: Adapters and JCA Transport in Oracle Service Bus 11g

    - by MariaSalzberger
    There is an upcoming webcast planned for September 19th that will show how to implement services using a JCA adapter in Oracle Service Bus 11g. The session will help to utilize existing resources like samples and information centers for adapters in the context of Oracle Service Bus. Topics covered in the webcast are: JCA Transport Overview / Inbound and Outbound scenarios using JCA adapters Implementation of an end-to-end use case using an inbound file adapter and and an outbound database adapter in Oracle Service Bus It will show how to find information on supported adapters in a certain version of OSB 11g Available adapter samples for OSB and SOA How to use SOA adapter samples for Oracle Service Bus A live demo of an adapter sample implementation in Oracle Service Bus Information Centers for adapters and Oracle Service Bus information The presentation recording can by found here after the webcast. Select "Oracle Fusion Middleware" as product. (https://support.oracle.com/rs?type=doc&id=740966.1) The schedule for future webcasts can be found in the above mentioned document as well.

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  • Virtual Newsstand Displays Comic Books by Date

    - by Jason Fitzpatrick
    If you’re a comic book aficionado (or just want to take a stroll down memory lane), this virtual newsstand shows you all the comics published for any month and year going all the way back to the 1930s. Courtesy of Mike’s Amazing World of Comics, the virtual newsstand lets you dial in a month, year, sorting style, and shows all publishers or select publishers. The covers are displayed in a grid where you can click through to see a larger version of the cover and read additional information about the comic. It’s a really neat way to check out trends in comic design and artwork over the years. Hit up the link below to take it for the spin. Have a cool comic book resource to share? Sound off in the comments. The Newsstand [via Boing Boing] Why Enabling “Do Not Track” Doesn’t Stop You From Being Tracked HTG Explains: What is the Windows Page File and Should You Disable It? How To Get a Better Wireless Signal and Reduce Wireless Network Interference

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  • A Good Time to Upgrade Your PeopleSoft Portal

    - by matthew.haavisto
    Extended support for PeopleSoft Portal Solutions 8.8 will end in March 2011. This means that Oracle is not obliged to provide support to Portal Solutions customers running 8.8 after that time. If you are on an older version, you should consider moving to our current release--9.1. Not only will you continue to receive support, but you will benefit from the many enhancements of the new release, including all the Enterprise 2.0 capabilities. (Note: The PeopleSoft Enterprise Portal has been rebranded. It is now called the PeopleSoft Applications Portal.)

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  • Oracle Contributor Agreements - New Home!

    - by alexismp
    The Oracle Contributor Agreement (the successor to the SCA), now has a new home - www.oracle.com/technetwork/goto/oca and a new email address (listed on this aforementioned page). This is the one-stop shop for getting to the actual OCA, the document you are required to sign in order to participate with shared copyright in Oracle-led open source projects, the list of existing signatories, as well as an updated version of the FAQ This earlier post on this topic has some context on the contributor agreement and where is came from. Note that if you are contributing to GlassFish and/or a sub-project (Jersey, OpenMQ, Grizzly, etc....), a single agreement can cover all of your contributions.

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  • No HDMI sound output on Thinkpad X1

    - by nickf
    I'm having problems getting my sound to output via HDMI to my TV. When I go to Sound Settings, the HDMI device does not appear. ~$ aplay -l **** List of PLAYBACK Hardware Devices **** card 0: PCH [HDA Intel PCH], device 0: CONEXANT Analog [CONEXANT Analog] Subdevices: 1/1 Subdevice #0: subdevice #0 card 0: PCH [HDA Intel PCH], device 3: HDMI 0 [HDMI 0] Subdevices: 1/1 Subdevice #0: subdevice #0 card 0: PCH [HDA Intel PCH], device 7: HDMI 1 [HDMI 1] Subdevices: 1/1 Subdevice #0: subdevice #0 card 0: PCH [HDA Intel PCH], device 8: HDMI 2 [HDMI 2] Subdevices: 1/1 Subdevice #0: subdevice #0 I don't know if the video information is helpful, but anyway: ~$ sudo lshw -C video *-display description: VGA compatible controller product: 2nd Generation Core Processor Family Integrated Graphics Controller vendor: Intel Corporation physical id: 2 bus info: pci@0000:00:02.0 version: 09 width: 64 bits clock: 33MHz capabilities: msi pm vga_controller bus_master cap_list rom configuration: driver=i915 latency=0 resources: irq:46 memory:d0000000-d03fffff memory:c0000000-cfffffff ioport:5000(size=64) Any suggestions for me?

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  • Does google use chrome to check if a link is used by humans or just there for the bots?

    - by sam
    Does clicking a link in chrome tell google the link is used by humans and there fore not just automated backlink spam. It sounds weird but i read it today on a slightly obscure seo blog, they mensionned clicking the backlinks they make in a version of chrome where they have the "send data annonmusly to google" feature turned on. It sounded a bit far fetched but then i thought it could have a truth to it as with google now looking harder at "spammy" links it would mean at least some humans are using them. Has any one else heard anything else about this ?

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  • SQL Server 2008 R2: StreamInsight changes at RTM: Count Windows

    - by Greg Low
    Another interesting change in the RTM version of StreamInsight is the addition of a new window type. Count Windows aren't time based but are based on counting a number of events. The window type provided in this release is called CountByStartTimeWindow. Based on that name, you'd have to presume we might get other types of count windows in the future. This new window type takes two parameters. The first is the number of events. The second is an output policy, similar to the policies now required for...(read more)

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  • Clock is Ticking for OBI 10g Supported Customers to move to OBI 11g

    - by Mike.Hallett(at)Oracle-BI&EPM
    Now is a perfect time for Partners to approach existing OBI 10g customers, to encourage and help them to upgrade to all the great new features in the current OBI v 11g; including the ability to go Mobile, to be in-memory on Exalytics, and to get tighter integration with Hyperion applications, Strategic Scorecards and Essbase. Oracle Lifetime Support Policy for Oracle BI Suite, version 10gR3, will end ‘normal’ support in July 2013. The final point release of Oracle Business Intelligence EE & Publisher 10gR3 was 10.1.3.4.x, which was generally available from July 2008 and will end “Premier Support” in July 2013.  From this time, customers may purchase “Extended Support” until July 2015, and from then “Sustaining Support”  indefinitely. For more information : Upgrade to Oracle Business Intelligence Enterprise Edition 11g, article on Technet Planning to Upgrade from Oracle BI 10g to BI 11g ?, at docs.oracle.com Oracle Business Intelligence Enterprise Edition 11g Oracle Lifetime Support Policy

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  • Ensure Future Browser Compatibility - SharePoint Branding

    - by KunaalKapoor
    HTML and Future Internet Explorer Compatibility with SharePointAs new versions of Internet Explorer are released, the way HTML is rendered by the browser could change over time. To address the possibility of changes, Microsoft uses the X-UA-Compatible META tag that targets HTML markup to a specific version of Internet Explorer. The default SharePoint 2010 master pages are set to force current and future versions of Internet Explorer to render HTML in Internet Explorer 8 mode like the following markup:<meta http-equiv="X-UA-Compatibile" content="IE=IE8" />The Adventure Works Travel HTML includes the META tag to help ensure future Internet Explorer versions will display the SharePoint HTML properly.For more information about the Internet Explorer Standards Mode, see META Tags and Locking in Future Compatibility.

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  • De nouvelles informations sur Windows 8 et son Windows Server associé révélées au compte goutte par

    Mise à jour du 10.06.2010 par Katleen De nouvelles informations sur Windows 8 et son Windows Server associé révélées au compte goutte par un cadre de Microsoft Si l'on se réfère au cycle de vie des produits de Microsoft, on constate qu'au niveau des clients et des serveurs d'OS les sorties alternent entre une majeure, puis une mineure, et ainsi de suite, tous les deux ans. La mise à jour la plus récente de la version serveur de Windows 7 s'appelle Windows Server 2008 R2, et elle était mineure (sortie en 2009). On peut donc logiquement s'attendre à des changements majeurs pour la prochaine mouture. Dans une interview récente, Bob Muglia, Président de l'unité Tools and Servers chez Micr...

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  • Efficient existing rating system for multiplayer?

    - by Nikolay Kuznetsov
    I would like to add a rating for online version of a board game. In this game there are many game rooms each normally having 3-4 people. So I expect that player's rating adjustments (RA) should depends on Rating of opponents in the game room Number of players in game room and final place of a player Person gets rating increase if he plays more games and more frequently If a person leaves a game room (disconnect) before the game ends he should get punished with a high rating decrease I have found two related questions in here Developing an ELO like point system for a multiplayer gaming site Simplest most effective way to rank and measure player skill in a multi-player environment? Please, let me know what would be the most appropriate existing rating model to refer.

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  • Soft lockup after upgrade - cannot install from live CD

    - by nbm
    I dual-boot MacIntel Core 2 duo. nVidia graphics. Ran upgrade from ubuntu 13.10 to 14.04 (64 bit). On restart ran into {numbers} Bug: soft lockup - CPU#0 stuck for 22s! [swapper/0:1] Tried loading earlier kernel: same problem Tried re-installing ubuntu from a liveCD that has worked in the past: version 13.04. Same problem. Tried re-partitioning hard drive using Mac OS X disk utility and then installing ubuntu 14.04LTS from liveCD. Same problem. Not possible to verify liveCD disk (creates same "soft lockup" bug.) Tried installing from the liveCD with version 13.04 that I know works (that's how I got Ubuntu on this machine in the first place.) Same problem. I know this is not a hardware problem as OS X works just fine, I am using it right now on the same machine. I have been using various versions of Ubuntu for 2 years. Things I cannot do: Open a terminal Verify CD image Start ubuntu from CD (same soft lockup problem) This problem is similar to some other questions, none of which have been satisfactorily answered: Ubuntu 14.04 soft lockup on Vostro 3500 Cannot do fresh install of Ubuntu 13.04 while booting from DVD: "soft lockup" bug Live CD stalls when installing Ubuntu 13.10 UPDATE 6/11/14: Following some much-appreciated advice from bain (see below) I burned a 12.04LTS disk and started with kernel parameters: noapic, no1apic, acpi=off, nomodeset, elevator=deadline, and clocksource=jiffies. With all of these parameters I was able to load the 12.04LTS CD ("Try without installing"). It worked fine. However, as soon as I tried to install Ubuntu from the CD, my wired ethernet (eth0) connection would hang. There are already various askubuntu questions and bug reports about this problem, none of which had answers for me. (E.g., dhclient eth0 does nothing, none of the various reset commands does anything, manually setting IP &etc does nothing. I could reliably kill the ethernet connection by clicking "install ubuntu" every single time.) I could go ahead and install 12.04 without an internet connection, but the install would freeze after mostly completing (I tried several times.) There were some relevant error messages in the details of the install output script that, IIRC, had to do with searching for missing files and not being able to access eth0 (internet) to get them. To be honest I gave up at that point and I'm not sure I wrote those down. If I find some notes I will post them. At this point I no longer have Ubuntu on my system. I wiped the partitions and am using exclusively OS X. I am leaving this question in case it helps anyone else with similar problems. I love open source and I love Linux, and the next machine I get I will probably just build from Arch. At the moment I miss repositories and a lot of other things about Ubuntu, but the OS X terminal is 'nix, I can pretty much use all the open source apps I like, and while I am not a fan of the Apple software it gets the job done for me. Unlike Ubuntu, which can't even install. I realize this isn't necessarily a place for a soapbox speech, but when I first installed 12.04 several years ago there were already people in the community complaining that Canonical was going too "commercial". But I loved it. Several years later and all I've seen is Canonical adding more not-so-useful bells and whistles to Ubuntu while continually failing to fix basic problems on upgrades. With a dual-boot (and sometimes triple-boot) system it always took me some tweaking to get an upgrade to work, and to some extent that is okay. But at this point I feel like Canonical ought to just put a price tag on Ubuntu. All I see is more commercialism and advertising and product tie-ins, and ongoing problems do not get fixed. I am a big fan of open-source, not-for profit enterprise. I am also a big fan of for-profit enterprise, which certainly has its place and usefulness. I am not a fan of companies who pretend to be in favor of open source but really are just out to make a buck, and IMNSHO that is what Canonical has become. This is a great community and I wish you all the best, but my next install of Linux will not be Ubuntu.

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  • Phoney Windows Phone 7 Project Now Available!

    - by help.net
    UPDATE: Phoney now has a NuGet package. Search on NuGet to add Phoney to your project! I started this project when I found I had a number of small classes that I'd built for my Windows Phone 7 application so I thought it was time to share. here is the information on the new library. It is currently in a very early Alpha stage, but I expect to have it at a release version by MIX 11 (Mid-April). Let me know what you think! By Shawn Wildermuth Read more......(read more)

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  • TestDrive equivalent for Ubuntu Server

    - by Marius Gedminas
    Every now and then I'd like to play with a fresh minimal install of Ubuntu (to test sysadminish scripts, application install instructions, package dependency lists etc.). I'd like to have a tool as simple to use as testdrive: pick a version (say, 'maverick'), run a command, get a shell in a new virtual machine. I'd like that shell to be in the current terminal, rather than a new GUI window that testdrive uses. Setting up the new VM to accept SSH logins with my ssh public key is fine. I'd like the VM to have network access out of the box; NAT to a virtual network interface is fine. Why a VM? Chroots don't really cut it: installing, say, Apache in a chroot would fail because it would try to listen on port 80, which is already taken. Containers might work, though, if there are any that are supported by standard Ubuntu kernels.

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  • Asus Eee PC 701 4G hangs on boot

    - by Andrew
    I've got an old Eee PC 701 4G with the following specifications: 512 MB RAM 4GB SSD drive SM223AC 8GB SD card extension Screen resolution: 800 x 480 BIOS Revision 1101 (05/16/2008) EC Firmware version: EPC-079 Windows XP SP3 works fine on it, but I decided to switch my OS to Ubuntu. I have downloaded an Ubuntu 10.10 Netbook Remix ISO and wrote it to my FAT32 SD card using Universal-USB-Installer-1.8.3.3, as described on ubuntu.com During standard load from the SD card the boot process hangs up with black screen. If I'll press F6 while preloading Ubuntu, it sucessfully displays the boot menu, selecting language and showing 2 main commands: "Run ubuntu from USB drive" and "Install Ubuntu". Selecting either of these commands leading to the same result - after some background work the main loading indicator is displayed ("Ubuntu" text with dotted progress bar under it), and it's progressing forever without any effect. Is Ubuntu 10.10 compatible with my Eee PC at all? How to boot it correctly?

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  • How to install mysql?

    - by batman
    I tried mysql in my command line : I get : The program 'mysql' is currently not installed. You can install it by typing: sudo apt-get install mysql-client-core-5.5 But when I do: sudo apt-get install mysql-client-core-5.5 But I get: Reading package lists... Done Building dependency tree Reading state information... Done mysql-client-core-5.5 is already the newest version. 0 upgraded, 0 newly installed, 0 to remove and 47 not upgraded. I'm very much confused! Thanks in advance.

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  • Software license restricting commercial usage like CC BY-NC-SA

    - by Nick
    I want to distribute my software under license like Creative Commons Attribution - Non commercial - Share Alike license, i.e. Redistribution of source code and binaries is freely. Modified version of program have to be distributed under the same license. Attribution to original project should be supplied to. Restrict any kind of commercial usage. However CC does not recommend to use their licenses for software. Is there this kind of software license I could apply? Better if public license, but as far as I know US laws says that only EULA could restrict usage of received copy?

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  • No me arranca ubuntu 12.04

    - by MAgnum
    Buenos Dias, Tengo un Notebook Intel(R) Atom(TM) CPU N270 1.60GHz Version de la BIOS Intel V1585, tenia un sistema operativo de windows xp e intente instalar ubunto 12.04 por medio de live USB debido a que no tengo la adaptación de CD segui todos los pasos y le di instalar completamente formateando el sistema anterior, terminando la instalacion me salio un problema que no encontraba el sistema de arranque o algo asi el hecho es que me salia algo de SDA donde aparecia el modelo del HDD y como es Hitachi HTS543212L9A300 le di en esa y le di finalizar, pero al reiniciar cuando debe iniciar el sistema operativo se queda en negro y no carga nada =S he intentado volver a arrancar la usb pero no me deja hacer nada se me traba =S. soy principiante en este sistema operativo y quiera saber que solución me pueden decir para sacarme de este embrollo. tampoco me sale nada despues de usar ctrl+alt+F1 =S... Muchas gracias al alma caritativa que me quiera asesorar =D...

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  • Personal Financial Management – The need for resuscitation

    - by Salil Ravindran
    Until a year or so ago, PFM (Personal Financial Management) was the blue eyed boy of every channel banking head. In an age when bank account portability is still fiction, PFM was expected to incentivise customers to switch banks. It still is, in some emerging economies, but if the state of PFM in matured markets is anything to go by, it is in a state of coma and badly requires resuscitation. Studies conducted around the year show an alarming decline and stagnation in PFM usage in mature markets. A Sept 2012 report by Aite Group – Strategies for PFM Success shows that 72% of users hadn’t used PFM and worse, 58% of them were not kicked about using it. Of the rest who had used it, only half did on a bank site. While there are multiple reasons for this lack of adoption, some are glaringly obvious. While pretty graphs and pie charts are important to provide a visual representation of my income and expense, it is simply not enough to encourage me to return. Static representation of data without any insightful analysis does not help me. Budgeting and Cash Flow is important but when I have an operative account, a couple of savings accounts, a mortgage loan and a couple of credit cards help me with what my affordability is in specific contexts rather than telling me I just busted my budget. Help me with relative importance of each budget category so that I know it is fine to go over budget on books for my daughter as against going over budget on eating out. Budget over runs and spend analysis are post facto and I am informed of my sins only when I return to online banking. That too, only if I decide to come to the PFM area. Fundamentally, PFM should be a part of my banking engagement rather than an analysis tool. It should be contextual so that I can make insight based decisions. So what can be done to resuscitate PFM? Amalgamation with banking activities – In most cases, PFM tools are integrated into online banking pages and they are like chapter 37 of a long story. PFM needs to be a way of banking rather than a tool. Available balances should shift to Spendable Balances. Budget and goal related insights should be integrated with transaction sessions to drive pre-event financial decisions. Personal Financial Guidance - Banks need to think ground level and see if their PFM offering is really helping customers achieve self actualisation. Banks need to recognise that most customers out there are non-proficient about making the best value of their money. Customers return when they know that they are being guided rather than being just informed on their finance. Integrating contextual financial offers and financial planning into PFM is one way ahead. Yet another way is to help customers tag unwanted spending thereby encouraging sound savings habits. Mobile PFM – Most banks have left all those numbers on online banking. With access mostly having moved to devices and the success of apps, moving PFM on to devices will give it a much needed shot in the arm. This is not only about presenting the same wine in a new bottle but also about leveraging the power of the device in pushing real time notifications to make pre-purchase decisions. The pursuit should be to analyse spend, budgets and financial goals real time and push them pre-event on to the device. So next time, I should know that I have over run my eating out budget before walking into that burger joint and not after. Increase participation and collaboration – Peer group experiences and comments are valued above those offered by the bank. Integrating social media into PFM engagement will let customers share and solicit their financial management experiences with their peer group. Peer comparisons help benchmark one’s savings and spending habits with those of the peer group and increases stickiness. While mature markets have gone through this learning in some way over the last one year, banks in maturing digital banking economies increasingly seem to be falling into this trap. Best practices lie in profiling and segmenting customers, being where they are and contextually guiding them to identify and achieve their financial goals. Banks could look at the likes of Simple and Movenbank to draw inpiration from.

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